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Alcohol is my way to turn myself on and off again
(i.imgur.com)
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I’ve configured 2FA with my bank using verification codes (can’t think of the proper name, it’s that Authy-/Google-style 2FA c. 2010) but then never utilizes it — it pretends that’s not set up and requests the SMS code. 🫠
The thing you are thinking about is called TOTP or timed one time password.